The credit card of China Merchants Bank cannot be divided into installments
There may be
1. The credit card has overdue records. If your credit card has an overdue record, the bank may not pass the installment application.
2. the amount is not enough. China Merchants Bank stipulates that the installment amount of paid and unbilled bills should not be lower than that of 3 yuan. If the consumption amount is not up to standard, it can't be staged.
3. It's over the time for staging. The current bill can only be paid in installments in the current period, and shall not exceed the final repayment date.
4. The card type is wrong. China Merchants Bank's subsidiary cards, business cards, ANA cards, official cards, purchasing cards and campus cards cannot apply for bill installment.
5. the transaction type is wrong. China Merchants Bank's credit card cash withdrawal, installment payment, annual interest fee and other expenses, pre-authorized transactions, foreign exchange purchase funds, etc., can not be billed in installments.
1. How to apply for credit card installment in China Merchants Bank
1. Online banking application:
Cardholders can log in to China Merchants Bank's credit card online banking, click on the "installment financing" page online, enter the "bill installment", enter the installment amount, select the installment number, and wait for the bank's approval, and then the installment will be successful.
2. Telephone application:
Cardholders can call China Merchants Bank's credit card customer service hotline 4-82-5555. After identity verification, cardholders can select the appropriate installment amount and number according to the 78 bill transfer hotline, and the installment will be successful after the system is approved.
3. SMS application:
The cardholder edits the SMS "AG# Amount # Period Number" and sends it to 165795555 (mobile user) or 1655219555 (Unicom user). After the system application is passed, the installment can be successfully completed.
2. What is the installment fee for China Merchants Bank's credit card?
China Merchants Bank's credit card installment fee rate is related to the number of installments, and the longer the installment time, the lower the fee rate. At present, China Merchants Bank offers seven installments, namely, 2 installments, 3 installments, 6 installments, 1 installments, 12 installments, 18 installments and 24 installments, and the corresponding handling fees for each installment are 1.%, .9%, .75%, .7%, .66%, .68% and .68% respectively. Handling fee per installment = total installment principal × handling fee rate per installment corresponding to the number of installments. The handling fee will be credited to the RMB account of the credit card in installments after the bill installment business application is successful. The repayable principal of each installment of the bill is equal to the total installment principal divided by the number of installments. The repayable principal of each installment (accurate to the minute) is credited to the cardholder's credit card account every month, and the remainder is credited to the last installment.
5, yuan is repaid in six installments, and the handling fee rate of each installment is .75%, so the handling fee of each installment = 5,.75% = 37.5; The principal payable in each installment =5/6=833.33 yuan; Total amount to be repaid in each period =37.5833.33=87.83 yuan.
China Merchants Bank's credit card can't be repaid in installments
There are several main reasons why China Merchants Bank's credit card can't be repaid in installments:
1. The application amount can't be less than 3 yuan to 5 million yuan.
2. The bank needs to evaluate the cardholder's qualification according to the cardholder's credit record.
3. The billing statement hasn't come out yet.
4. I have entered the small black room of China Merchants Bank.
The above reasons occur when China Merchants Bank's credit card cannot be repaid in installments. It is necessary to standardize the use of cards, maintain good habits of using cards, participate in China Merchants Bank's activities as much as possible, and also purchase some investment financing appropriately, which is helpful for banks to evaluate whether they can be repaid in installments.
China Merchants Credit Card Customer Service Telephone Manual Hotline
China Merchants Bank Customer Service Telephone: National Service Hotline 95555; Credit card service hotline 4-82-5555; Enterprise annuity service hotline 8-83-8855.
China Merchants Bank credit card customer service to manual service:
1. Dial 95555 directly, select the credit card channel, and then select manual customer service to connect.
2. Call China Merchants Bank's credit card customer service number 4825555. After selecting the language, you will be prompted to enter relevant information, and then press 9 to enter the manual service.
3. If a customer does not have a credit card, after calling the credit card number of China Merchants Bank, he can choose a credit card to apply for consultation, or he can enter the manual service.
4. after calling the credit card customer service, select the complaint suggestion, and you can switch to manual service.
5. Call the customer service of China Merchants Bank's credit card, press # to transfer to the manual service of reporting the loss, directly connect to the customer service and explain the situation, and ask him to transfer the credit card service for you.
2. Method for installment of China Merchants Bank's credit card:
1. Online banking application: The cardholder logs into China Merchants Bank's credit card online banking, enters the bill installment on the installment financing page, selects the installment amount and the number of installments, and waits for the bank's review.
2. Telephone application: Cardholders can apply by calling the customer service phone of China Merchants Bank Credit Card.
3. SMS application: cardholders can apply for SMS by filling in their mobile phones when applying for credit cards.
4. CMB credit card app application: apply for the bill in installments in CMB app bill.
China Merchants Bank's credit card can't handle installment repayment
There are many reasons why China Merchants Bank's credit card can't handle installment repayment:
There were outstanding payments before, which accumulated to the current bill or had overdue records before;
the transaction type applying for installment does not support installment. Such as cash advance, pre-authorization, interest, bills or payments that have been paid in installments, etc.;
the time limit for installment has been exceeded. Generally speaking, the current bill only supports installment in the current period, and it cannot exceed the final repayment date at the latest;
the current amount does not reach the minimum amount by installment. China Merchants Bank stipulates that if the paid and unpaid amount does not reach 3 yuan, it cannot be divided into stages.
On December 3, 22, China Merchants Bank officially issued the first international standard dual-currency credit card in China, which opened a new era of credit card consumption for Chinese people. After more than ten years of struggle and growth, China Merchants Bank Credit Card has formed three visions of "being the best payment experience provider in China, the best consumer finance expert in China, and the leading diversified marketing platform in China", and has also won many honors.
adhering to the business philosophy of "it changes with you", China Merchants Bank's credit card constantly refreshes the cardholder's experience by virtue of product innovation and service upgrade, making it a leading brand in the credit card industry.
In recent years, China Merchants Bank has actively sought digital transformation of its credit cards, forged ahead, pioneered the construction of financial Internet, and created a technological legend in the domestic credit card industry.
YOUNG Card of China Merchants Bank (Youth Edition): a phenomenal product for young people under 3 (non-students), and it is still the first choice of credit cards for college students after graduation. YOUNG card has accompanied countless young people in their youthful years of struggle, and has been the favorite credit card for double 11 users for three consecutive years.
China Merchants Bank Constellation Guardian Credit Card: Constellation Guardian Credit Card has a profound, high-value and almost artistic card design, which is a benchmark for China Merchants Bank Credit Card to rethink the way to connect with young users in the second half of the credit card. Less than one year after listing, the number of cards issued has exceeded one million.
fan-only
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Cherry Maruko Fan Card of China Merchants Bank: In 29, China Merchants Bank launched the Cherry Maruko Fan Credit Card, which used financial products as a platform to gather various ethnic groups with similar life concepts and hobbies for emotional marketing and precise marketing. In 218, China Merchants Bank launched two Qvanxian Zhang Cherry Maruko fan credit cards-Cherry Maruko Fireworks Card and Cherry Maruko Flower Season Card to meet the differentiated needs of young fans.
China Merchants Bank Navigator Credit Card: China Merchants Bank ONEPIECE Navigator Credit Card (also known as One Piece Credit Card) is a fan credit card product jointly issued by China Merchants Bank and Toyo Animation Japan. It aims to launch customized products and exclusive benefits to meet the emotional and consumption needs of young customers by combining major IP and brands that young people like.
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why can't China merchants credit card be divided into stages?
There are several reasons why the credit card of China Merchants Bank cannot be divided into installments:
1. The installment amount does not meet the minimum standard.
2. The credit card is in an overdue state.
3. The time for applying for installment is not right.
4. withdrawal, installment payment, interest and other expenses are not allowed to apply for installment again.
5. You can also call the customer service hotline of China Merchants Bank directly, and the manual customer service will tell you the reason why the installment cannot be made.
1. how many kinds of bank credit card installments are there?
There are two kinds of bank credit card installment payment:
1. One is the installment payment initiated by banks and cooperative merchants. This kind of credit card installment does not need to be applied, so you can choose installment payment directly when merchants swipe their cards. Generally, the installment fee for cooperative merchants of bank credit cards is different according to different merchants. Please consult the credit card shop for details.
2. The other is the credit card that is not within the scope of the bank's cooperative merchants and websites, and can also be freely divided into stages. Under normal circumstances, you can call the bank to apply after swiping the card, and the specific number of stages can be decided by yourself.
3. If credit cards cannot be divided into stages, it is suggested to ask the merchants first, or call the banking service hotline for consultation.
second, what is installment payment?
installment payment: credit card installment payment refers to the business that when a cardholder uses a credit card to make a large amount of consumption, the card-issuing bank pays the consumer funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and deducts the consumer funds from the cardholder's credit card account in installments according to the cardholder's application, and the cardholder repays according to the monthly recorded amount. The vast majority of domestic banks have credit card installment business, and installment payment is generally divided into shopping mall installment, "mail order installment" and bill installment according to different occasions.
3. What is the success rate of credit card review?
the pass rate and limit of credit card application depend on various financial certificates provided at the time of application, such as real estate license, automobile driving license, work income certificate, etc. The more financial certificates, the higher the pass rate and limit of card approval.
1. Before applying for the card, you must make preparations against the required materials.
2. The main conditions for applying for a card are that you are at least 18-6 years old, have a stable job and income, and you need to provide copies of your ID card. Of course, if you can provide other financial proof, it will be of great help to the success rate and quota of getting a card.
why can't my China merchants credit card be divided into stages? It has been used for more than half a year.
The reasons why China Merchants Credit Card can't be divided into stages are as follows:
1. The credit card of China Merchants Credit Card holder has not yet opened the online payment function or the online payment limit balance is insufficient;
2. The current available amount of China Merchants Credit Card holders is no longer enough to pay the total amount of installment payment;
3. The credit card-related information entered by the cardholder of China Merchants Credit Card is incorrect.
when China merchants bank provides installment payment service, there are capital costs, operating costs and risk costs, so it will charge a part of handling fees. Please consult the cooperative merchants for details.
Extended information
China Merchants Bank provides online payment installment services with three months, six months and twelve months.
if you spend more than a specified amount with China merchants bank's credit card at one time, you can apply for online payment installment service. for the specific installment amount and number, please check the partner information on this website or visit the partner website.
if the amount of purchased goods cannot be divided by the number of installments, the system will automatically round off and split the amount. For example, I spent 322 yuan and chose to pay in six installments. The first five installments need to repay 53.67 yuan per month, and the last installment only needs to repay 53.65 yuan, and the total repayment amount remains unchanged at 322 yuan.